Coverage that starts the month after you do.
Gifthealth offers medical, dental, and vision coverage through Anthem, employer-paid life and disability protection, an employer-funded HSA option, pre-tax spending accounts, and a slate of voluntary benefits. Here's a summary of what's covered.
What's included
The full Health & Welfare program available to Gifthealth employees. Select any benefit to see the details.
Medical
Anthem BCBS — a dual-choice offering with two PPO plans and one HDHP paired with an employer-funded HSA.
Find Care & ID Cards
Search for in-network Anthem providers and register for your member account and digital ID card.
Health Savings Account
Gifthealth contributes to your HSA every pay period when you choose the HDHP.
Dental
Anthem Blue Cross — dual choice between a Base PPO and a Premium PPO with child orthodontia.
Vision
Anthem Blue Cross PPO — annual exam, lenses, and frames, with a $150 frame or contact lens allowance.
Life & Disability
Employer-paid Life/AD&D, short term, and long term disability, plus voluntary coverage you can add for yourself and your family.
Flexible Spending Accounts
Pre-tax Healthcare and Dependent Care FSAs for out-of-pocket health and daycare costs.
Employee Assistance Program
Confidential 24/7 counseling and support for everyday challenges at work and home.
401(k)
Save for retirement through payroll deductions, 100% vested from the start.
Accident & Critical Illness
Voluntary Guardian plans that pay a lump-sum benefit when something unexpected happens.
Hospital Indemnity
Voluntary Guardian coverage paying a lump-sum benefit on hospital admission.
Pet Insurance
Voluntary coverage through Spot for your pet's veterinary expenses.
When coverage begins
Benefits coverage for full-time employees begins on the first day of the month following your date of hire. You have 30 days to elect your benefits as a new hire, or to make changes after a Qualified Life Event.
You're eligible
Coverage begins on the first day of the month following your date of hire.
Add your dependents
When you enroll in medical, dental, and/or vision coverage, you may also cover your eligible dependents.
Enroll within 30 days
Make your elections in Paylocity. Coverage details and your contribution amounts are in Paylocity and the Benefits Booklet.
Eligible dependents
- Your legal spouse or qualified domestic partner
- Children under the age of 26, regardless of student, dependency, or marital status
- Children past the age of 26 who are fully dependent on you for support due to a mental or physical disability, and who are indicated as such on your federal tax return
Making changes after Open Enrollment
After Open Enrollment ends, you cannot change your benefits until the next Open Enrollment, unless you experience a Qualified Life Event. You will have 30 days from the event to make changes. Common Qualified Life Events include:
- Marriage
- Welcoming a new child
- Loss of coverage
- Leave of absence
- Loss or change in employment
Ready to enroll or make changes?
Log in to Paylocity to make your elections. Need assistance? Contact the Melita Help Desk at helpdesk@melitagroup.com.
Three plans to choose from
Preventive care is covered at 100% with network providers on every plan. The summary below shows in-network services only.
PPO $0
- Annual deductible$0
- Office visit$25 copay
- Coinsurance20%
- Out-of-pocket max$4,500
PPO $1,000
- Annual deductible$1,000
- Office visit$30 copay
- Coinsurance20%
- Out-of-pocket max$4,000
HSA $3,400 HDHP
- Annual deductible$3,400
- Office visit$30 after ded.
- Coinsurance10%
- Out-of-pocket max$5,000
Side-by-side comparison
In-network services only| Benefit | PPO $0 | PPO $1,000 | HSA $3,400 (HDHP) |
|---|---|---|---|
| Annual deductible | $0 | $1,000 person $2,000 family | $3,400 person $6,800 family |
| Out-of-pocket maximum | $4,500 person $9,000 family | $4,000 person $8,000 family | $5,000 person $10,000 family |
| Coinsurance | 20% | 20% | 10% |
| Office visit copay | $25 | $30 | $30 after deductible |
| Preventive care | 100% | 100% | 100% |
| Urgent care | $50 | $75 | $60 after deductible |
| Emergency visit | $350 | $350 + 20% | 10% after deductible |
| Rx Tier 1 — most generic | $15 | No charge | $15 after deductible |
| Rx Tier 2 — preferred brand | $50 | $35 | $50 after deductible |
| Rx Tier 3 — non-preferred brand | $85 | $70 | $85 after deductible |
This is a summary for illustration purposes. Refer to the Summary of Benefits & Coverage (SBC) for each plan for full coverage details.
Included on every medical plan
Worldwide emergency coverage
You're covered for emergencies wherever you happen to be.
Mail order prescriptions
Convenience and cost savings on the medications you take regularly.
Virtual visits
See a provider without leaving home.
Preventive care covered at 100%
Network providers only · Covered services vary by age and gender- Annual check-ups
- Immunizations
- Lab tests
- Screenings
- Well baby care
- Birth control
Find care and get your ID card
How to search for in-network providers and set up your Anthem member account.
Find an in-network provider
Search Anthem's provider directory as a guest, no login needed. Behavioral health and substance use care providers are listed under the medical plan too.
Basic search as a guest
Make these selections on the Find Care page- Select the type of plan or networkMedical Plan or Network
- Select the state where the plan or network is offeredOhioChoose Ohio even if you live in another state. It's where Gifthealth's plan is contracted.
- Select how you get health insuranceMedical (Employer-Sponsored)
- Select a plan or networkThis one depends on where you live:
Ohio employeesBlue Access PPOEmployees outside OhioNational PPO (BlueCard PPO)
Register for your Anthem account and ID card
Register on the Sydney Health app or at anthem.com for 24/7 access to your medical, dental, and vision plan details. It's free and takes a few minutes.
How to register
Have your Anthem plan ID card ready.
- Download the free Sydney Health app from the App Store or Google Play and select Register new account, or go to anthem.com/register.
- Select your identification type. In most cases, this is your member ID.
- Enter your plan ID number, full name, and date of birth.
- Follow the one-time security prompt and create a username and password. You'll use the same login for the app and the website.
- Review your information to complete your registration.
Once you're registered, you can
- Access your digital plan ID card
- Review your coverage and claims
- Find care and estimate the cost of care
- Manage your prescriptions
Gifthealth contributes to your HSA
Choose the HDHP and you get a Health Savings Account that Gifthealth funds every pay period. Unused funds stay in your account and can be used at any time.
Employer contribution — single coverage
Employer contribution — employee + dependent(s)
2026 annual contribution limits
Employer + employee combined| Coverage | Annual limit |
|---|---|
| Individual | $4,400 |
| Family | $8,750 |
| Age 55+ catch-up | Additional $1,000 |
How an HSA works
- Funded with tax-exempt dollars
- Pays for eligible medical, dental, and vision expenses
- Also covers COBRA premiums and long term care insurance premiums
- Investment options available
- Unused funds stay in your account and can be used at any time
You're eligible to contribute if you are
- Covered by a high-deductible health plan (HDHP)
- Not covered under another medical plan that is not an HDHP
- Not enrolled in Medicare
- Not eligible to be claimed on another person's tax return
Funds used for non-qualified expenses are subject to a tax penalty. HSA contributions are subject to state tax in California and New Jersey.
Two PPO plans
Both plans waive the deductible for preventive care. The Premium PPO adds a higher annual maximum, richer basic and major coverage, and child orthodontia.
Dental plan comparison
| Base PPO | Premium PPO | |||
|---|---|---|---|---|
| Benefit | In-network | Non-network | In-network | Non-network |
| Annual maximum | $1,500 | $2,000 | ||
| Individual deductible | $50 | $50 | $50 | $50 |
| Family deductible | $150 | $150 | $150 | $150 |
| Deductible waived for preventive | Yes | Yes | Yes | Yes |
| Preventive coinsurance | 0% | 0% | 0% | 0% |
| Basic coinsurance | 20% | 20% | 10% | 10% |
| Major coinsurance | 50% | 50% | 10% / 40% | 10% / 40% |
| Orthodontia — child | Not covered | Not covered | 50% ($1,500 max) | 50% ($1,500 max) |
Out-of-network benefits are based on allowed amounts. If you choose a dentist who does not participate in the network, your out-of-pocket expenses may be higher, since you are responsible for any difference between the dentist's fee and the plan's payment for the approved service. This is a summary for illustration purposes — refer to the carrier's insurance certificate for full coverage details.
An exam, lenses, and frames every year
Vision PPO
| Benefit | In-network | Non-network |
|---|---|---|
| Exam | $10 copay | $42 allowance |
| Materials | $10 copay | Allowance schedule |
| Eye exam frequency | 12 months | 12 months |
| Lenses frequency | 12 months | 12 months |
| Frames frequency | 12 months | 12 months |
| Frame allowance | $150 | Up to $45 |
| Contacts (instead of glasses) | $150 allowance | $105 allowance |
This is a summary for illustration purposes. Refer to the carrier's insurance certificate for full coverage details.
Employer-paid coverage, with options to add more
Life/AD&D and both disability plans are employer-paid. You can elect additional voluntary life coverage for yourself, your spouse, and your children.
Life & AD&D
Basic term life with accidental death & dismemberment.
Flat benefit, reduced at age 65
Short Term Disability
- Elimination period7 days
- Income replaced70%
- Weekly maximum$2,000
- Duration12 weeks
Long Term Disability
- Elimination period90 days
- Income replaced60%
- Monthly maximum$10,000
- DurationTo Social Security retirement age
Voluntary Life / AD&D
Optional coverage you elect and pay for| Who's covered | Election increments | Maximum coverage | Guarantee issue |
|---|---|---|---|
| Employee | $10,000 | $500,000 | $200,000 |
| Spouse | $5,000 | $250,000 | $25,000 |
| Child — 14 days to age 26 | $1,000 | $10,000 | — |
Guarantee issue is the amount you can elect without answering medical questions. This is a summary for illustration purposes — refer to the carrier's insurance certificate for full coverage details.
Set aside money before taxes
An FSA lets you set aside money on a pre-tax basis to pay for out-of-pocket health and daycare costs.
Healthcare FSA
- Pays for eligible out-of-pocket healthcare expenses for you and your dependents
- Request reimbursement up to your entire annual election at any time
- Unused funds up to $680 roll over into the following plan year
Dependent Care FSA
- Reimburses day care for a dependent child up to age 12, or elder care expenses
- Reimbursement is limited to your current account balance
- Use it or lose it by the end of the year — no rollover
*The Dependent Care FSA maximum depends on your marital and tax filing status.
Support for work and home
GuidanceResources®, Guardian's Employee Assistance Program provided by ComPsych, offers confidential counseling, specialized guidance, and resources to help you handle life's challenges, big or small. Live help is available 24/7, and all interactions are confidential.
Get 24/7 live assistance
- Call1-855-239-0743
TRS: dial 711 - Onlineguidanceresources.com
- AppGuidanceNow℠
- Organization web IDGuardian
First-time users need to register with the organization web ID Guardian.
Face-to-face and virtual counseling
Available to each employee and household member.
Confidential emotional support
- Anxiety, depression, and stress
- Personal relationships
- Stress management resources
Work and lifestyle support
- Child, elder, and pet care referrals
- Career development guidance
Financial resources and legal guidance
- Retirement planning and taxes
- Wills, trusts, and estate planning
- Consultations with licensed attorneys
The Employee Assistance Program is provided by ComPsych Corporation, a vendor to Guardian. Services may not be available in all states. Legal and financial assistance is not available in New York and Hawaii.
Optional coverage you can add
Elect any of these alongside your core benefits.
| Benefit | Carrier | What it does |
|---|---|---|
| Accident | Guardian | Lump-sum benefits for injuries |
| Critical Illness | Guardian | Lump-sum benefits on diagnosis of a critical health issue, such as heart attack, stroke, or paralysis |
| Hospital Indemnity | Guardian | Lump-sum benefits for hospital admission |
| Pet Insurance | Spot | Coverage for veterinary expenses |
Save for the future with the 401(k)
Gifthealth's 401(k) plan makes it easy to save for retirement through automatic payroll deductions, with tax advantages that help your savings grow.
Vesting
There's no vesting schedule to wait out. Every dollar in your account, including any contributions Gifthealth makes, is yours to keep, even if you leave.
How it works
- Contributions come straight out of your paycheck
- Pre-tax contributions lower your taxable income today
- Your savings grow tax-deferred until you withdraw them
- Choose how your money is invested from the plan's options
2026 IRS contribution limits
- Employee contributions$24,500
- Catch-up, age 50++$8,000
- Catch-up, ages 60–63+$11,250
The ages 60–63 catch-up replaces the age 50+ catch-up.
This is a general overview. Refer to the 401(k) plan documents for enrollment steps, investment options, and full plan rules.
Digging into the details
This page is a summary. Here's where the full information lives.
Coverage details
Paylocity and the Benefits Booklet.
Employee cost
Contribution amounts are shown in Paylocity and the Benefits Booklet.
Provider directories
Anthem: anthem.com/find-care. See the Find Care page for search instructions.
Medical, dental & vision portal
Life, disability and voluntary plans member portal
Paylocity
Questions? We're here to help.
Gifthealth partners with Melita to support all benefit plan members. Melita handles benefits and enrollment system matters — help enrolling or adding a dependent, a claim you can't get resolved, or any question about your coverage.